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Income protection for doctors is invaluable as it provides a regular income if you can’t work due to illness or injury.
As a medical professional, your income is crucial to maintaining your lifestyle and supporting your family. However, unexpected circumstances such as illness or injury can jeopardize your ability to work and earn a living.
Income protection insurance is a type of coverage that provides financial support if you are unable to work due to illness or injury. It replaces a portion of your lost income, ensuring that you can meet your financial obligations during difficult times.
Medical professionals, including doctors and surgeons, face unique risks in their line of work. Your livelihood will depend on your ability to perform surgeries and provide medical care. Any interruption to your work due to illness or injury can have significant financial consequences.
When selecting an income protection policy for a doctor or surgeon, there are several factors to consider:
Coverage Amount
Determine how much coverage you need based on your current income, expenses, and financial obligations. Consider factors such as mortgage payments, living expenses, and any existing insurance coverage.
Waiting Period
The waiting period is the length of time you must wait before receiving benefits after becoming unable to work. Choose a waiting period that aligns with your financial reserves and ability to meet short-term expenses.
Benefit Period
The benefit period is the length of time for which benefits will be paid once you start receiving them. Consider how long you may need support in case of a prolonged illness or injury.
Premiums and Affordability
We will compare premiums from different insurance providers and ensure that the policy is affordable within your budget. Remember to consider any potential premium increases over time.
Read some of our client experiences
Thom Hughes2024-08-05Trustindex verifies that the original source of the review is Google. David has helped us to secure the mortgage on our first property. He has been so helpful, with great advice about the mortgage and lots of other aspects of the buying process. He has been available for chats throughout the last few months, answering calls immediately, and responding to emails late into the evenings. Specifically taking into account our jobs and circumstances to find the simplest and best deal for us. Accounting for doctor contracts and fluctuant hours, which many providers cannot seem to cope with. David's advice saved us money, time and stress. We couldn't recommend him more highly, we shall go back to him once our first fixed term is over. Joshua Wang2024-07-22Trustindex verifies that the original source of the review is Google. David has provided possibly the best service we could have possibly asked for. He was immediately accessible, clear and answered all of our questions. He was supportive with out complex employment and financial situation. When we needed to get a new mortgage in principle in the last minute, David got us one within the hour. When we needed to last minute change solicitors he sorted it out without issue. When our initial bank denied us a mortgage David got us a better deal with a new bank within the day. I cannot recommend his services highly enough to all doctors looking for a mortgage broker James Parkinson2024-07-02Trustindex verifies that the original source of the review is Google. David was extremely quick and provided me with tailored mortgage advice based on my job. Always available to speak to and made the whole process very easy and transparent. I would highly recommend Patrick Black2024-06-06Trustindex verifies that the original source of the review is Google. David was easily approachable, knowledgeable and helpful throughout what would have otherwise been quite a stressful time. As a locum doctor, he made the process as straightforward as possible during a time in my career that has strange shift patterns. Thank you so much! Kiran Purushothaman2024-04-27Trustindex verifies that the original source of the review is Google. David Marina is an absolutely amazing mortgage advisor. He knows and understands how things work for you , in my case he knows what shifts and your income pattern etc etc. Happy to talk to you at your convenience not a 9 to 5 man. We are very much satisfied with Doctors Mortgage. Aishah2024-04-15Trustindex verifies that the original source of the review is Google. David is an exceptional mortgage broker. The whole process was smooth from the start to the end. This was surprising for us, as we thought the process would be significantly more complex; thankfully David made everything simple! Absolutely 100% would recommend! He has specialist knowledge of the industry that other mortgage brokers, or direct high street lenders, do not. David2024-04-04Trustindex verifies that the original source of the review is Google. David helped us get a mortgage rapidly and with complete clarity, when other mainstream brokers couldn't cope with a complex move from England to Scotland and multiple sources of income. Highly recommended! Liesbet Lieben2024-03-14Trustindex verifies that the original source of the review is Google. David is extremely knowledgeable and helpful. As first-time buyers, he walked us to the process and options running several scenarios to show us what the reality would look like. He went above and beyond when it was time to submit our application, sacrificing his evening to avoid a potential interest rate increase. Truly recommend working with David - he saved us a lot of time and frustration! Flora M2024-03-08Trustindex verifies that the original source of the review is Google. David (Doctors Mortgages) has been highly professional throughout and managed to secure us a very good mortgage rate, despite some non-conventional working backgrounds. He came highly recommended by friends and we would not hesitate to recommend him to others. Sophie Yale2024-03-06Trustindex verifies that the original source of the review is Google. David is a very knowledgable and professional broker, I would recommend him highly to anyone buying a home. He answered our queries considered and thoroughly. We spoke to David over a 1 year period for two house sales and he was very knowledgable about the current market and potential future market in order to give us excellent advice. He is also very friendly which made the process a lot easier! Thanks again David!
Doctors Mortgages are one of the UK’s leading specialist Mortgage and Insurance Brokers. Our insurance advice for doctors service can assist to get you the best possible cover.
We have almost 20 years experience arranging income protection for doctors and helping to protect our client’s lifestyles. As we only advise medical professionals we have built up an enviable in-depth knowledge of insurers benefits and how they best fit doctors needs.
Our insurance advisers have knowledge of NHS contracts and doctors pay scales, General Practice earnings and career paths of junior doctors during and post foundation programme.
If you are a hospital doctor at any level or a salaried GP or GP partner talk to us about your income protection. We can tailor a plan to suit your circumstances.